A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices".
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Summary
This joint resolution uses the Congressional Review Act to disapprove a rule by the Bureau of Consumer Financial Protection that withdrew a 2024 guidance circular on improper overdraft opt-in practices. If passed, the resolution would nullify the CFPB's withdrawal, effectively restoring the 2024 circular that addressed bank practices requiring explicit customer consent before charging overdraft fees. The measure failed to advance in the Senate.
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